M C Bank & Trust Company: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Efficiency ratio dropped 1774.02 percentage points in Q2 2026, from 71.51% to -1702.50%. It was the largest change from Q1 2026 among the key lines here. M C Bank & Trust Company has the 1st lowest return on assets of the 103 banks headquartered in Louisiana, at -7.08% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, M C Bank & Trust Company reported -7.08% on return on assets in Q2 2026, 8.34 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 42.96% |
| Equity capital to assets | 30.54% |
| Tangible equity to tangible assets | 27.26% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 5.96% |
| Non-performing assets ratio | 2.94% |
| Net charge-off ratio | 1.12% |
| Texas ratio | 10.80% |
| Allowance for credit losses to loans | 2.48% |
| Reserve coverage of non-performing loans | 41.68% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -7.08% |
| Return on equity | -21.99% |
| Net interest margin | 3.64% |
| Efficiency ratio | -1702.50% |
| Yield on earning assets | 4.89% |
| Cost of funds | -0.56% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.94% |
| Core deposits to total deposits | 90.06% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 67.69% |
| Securities to assets | 4.87% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 18.39% | 0.52% | 3.82% | 1.84% | 0.01% |
| Q4 2023 | 17.90% | 0.62% | 3.98% | 0.70% | -0.00% |
| Q1 2024 | 17.80% | 0.93% | 3.83% | 1.05% | -0.34% |
| Q2 2024 | 17.80% | 0.72% | 4.02% | 0.68% | 0.57% |
| Q3 2024 | 17.99% | 0.80% | 4.02% | 0.81% | 0.02% |
| Q4 2024 | 17.57% | 0.30% | 4.09% | 0.70% | 0.07% |
| Q1 2025 | 18.33% | 0.98% | 4.01% | 0.64% | -0.02% |
| Q2 2025 | 18.00% | 0.86% | 4.37% | 0.48% | 0.00% |
| Q3 2025 | 17.40% | 1.01% | 4.01% | 1.40% | 0.04% |
| Q4 2025 | 17.27% | 0.79% | 4.25% | 1.55% | 0.02% |
| Q1 2026 | 17.34% | 0.84% | 4.02% | 3.04% | 0.78% |
| Q2 2026 | 42.96% | -7.08% | 3.64% | 5.96% | 1.12% |
M C Bank & Trust Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock M C Bank & Trust Company, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full M C Bank & Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 17388) · FFIEC NIC profile (RSSD 1003839)